December 31, 2025
RA Jainee
UTI Large Cap Fund
| Fund at a Glance | |
| NAV Growth (Rs.) | 310.15 |
| NAV Bonus (Rs.) | — |
| NAV IDCW (Rs.) | 65.92 |
| Min. Investment (Rs.) | 100 |
| Min. SIP Investment (Rs.) | 100 |
| Min. No of Cheques | 6 |
| Benchmark | BSE 100 TRI |
| AUM Rs. | 13,399 Cr |
| (As on 30-Nov-2025) | |
| Expense | 0.93% |
| 1 Year Return (%) | 8.19 |
| 3 Year Return (%) | 13.90 |
| 5 Year Return (%) | 14.14 |
| 10 Year Return (%) | 13.38 |
| Return Since Launch | 13.72% |
⚖️ Sahifund Review – UTI Large Cap Fund
✓ PLUS: Stability, long track record, consistent compounding
UTI Large Cap Fund offers steady and predictable performance, backed by a long operating history and disciplined large-cap investing. The fund focuses on established blue-chip companies, making it suitable for conservative investors seeking portfolio stability. Returns across 5–10 year periods have been consistent, supporting long-term SIP-based wealth creation.
⚖️ MINUS: Higher expense ratio, benchmark underperformance, limited alpha
With an expense ratio of 0.93%, the fund is relatively costlier compared to peers. Performance has lagged the BSE 100 TRI and category averages, indicating limited alpha generation. A strong large-cap bias restricts upside during mid- and small-cap driven rallies.
Sahifund Verdict:
Best suited for risk-averse investors prioritising stability over outperformance, but return-seekers may prefer more agile large-cap alternatives.
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| NFO Guidance |
What lies ahead? Below we decode returns consistency, portfolio concentration, peer positioning and risk profile in detail.
Suitable For Which Investors?
Large-cap funds are suitable for investors:
1. Seeking exposure in large-cap stocks for moderately high returns
2. Aiming for long-term wealth creation
3. With a 5+ year investment horizon
4. Who are at ease with the market’s ups and downs
Note:
• Invest only through SIP
Fund’s Investment Strategy:
The scheme seeks to generate long term capital appreciation by investing predominantly in equity and equity related securities of large cap companies.
Fund Manager:
1) Karthikraj Lakshmanan
Education: Mr. Lakshmanan is Commerce Graduate, PGDBM (from SPJIMR, Mumbai), CA and has cleared CFA Level 3 (US CFAI).
Experience: Prior to joining UTI Mutual Fund, he was associated with Baroda BNP Paribas AMC (Jul 14, 2008), ICICI Prudential AMC as Senior Research Analyst (Mar 9, 2007-Jul 10, 2008), Goldman Sachs Services Pvt. Ltd. as Business Analyst (Apr 3, 2006-Mar 6, 2007) and with ICICI Bank as Management Trainee.
Investment Details
| Min. Investment (Rs) | 100 |
| Min. Addl Investment (Rs) | 100 |
| Min. SIP Investment (Rs) | 100 |
| Min. Withdrawal (Rs) | — |
| Min. No of Cheques | 6 |
| Min. Balance (Rs) | — |
| Lock-in Period | NA |
| Exit Load | For units in excess of 10% of the investment, 1% will be charged for redemption Within 365 days |
Basic Details of UTI Large Cap Fund
| Fund House | UTI Mutual Fund |
| Launch Date | 01-Jan-13 |
| Return Since Launch | 13.72% |
| Benchmark | BSE 100 TRI |
| Riskometer | Very High |
| Type | Open-ended |
| Assets | Rs 13,399 Cr |
| (As on 30-Nov-2025) | |
| Expense | 0.93% |
| (As on 30-Nov-2025) | |
| Risk Grade | Below Average |
| Return Grade | Below Average |
| Turnover | 32.00% |
Trailing Returns (%)
| Fund name | YTD | 1D | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
| UTI Large Cap Dir | 8.77 | -0.28 | -0.75 | 4.19 | 1.38 | 8.19 | 13.90 | 14.14 | 14.47 | 13.38 |
| BSE 100 TRI | 9.64 | -0.37 | -1.01 | 5.28 | 1.66 | 9.02 | 15.09 | 15.56 | 15.01 | 14.37 |
| Equity: Large Cap | 8.13 | -0.39 | -0.89 | 4.24 | 1.45 | 7.42 | 15.69 | 15.54 | 14.76 | 13.72 |
| Rank within category | 57 | 7 | 42 | 79 | 64 | 58 | 53 | 46 | 21 | 29 |
| Number of funds in category | 99 | 120 | 120 | 116 | 111 | 97 | 84 | 59 | 48 | 42 |
Peer Comparison of UTI Large Cap Fund
| Rating | 1 Year Returns | 3 Year Returns | 5 Year Returns | Expense Ratio (%) | Net Assets (Rs Cr) | Return Since Launch (%) | Exit Load (Days) | Fund Age | Turnover (%) | |
| UTI Large Cap Dir | 3 star | 8.19 | 13.90 | 14.14 | 0.93 | 13,399 | 13.72 | 1.00 (365) | 12Y 11M | 32.00 |
| ICICI Pru Large Cap Dir | 5 star | 10.35 | 18.50 | 18.63 | 0.84 | 78,160 | 15.84 | 1.00 (365) | 12Y 11M | 13.00 |
| SBI Large Cap Dir | 4 star | 9.02 | 15.14 | 15.59 | 0.79 | 55,637 | 15.24 | 0.25 (30) | 12Y 11M | 29.00 |
| Nippon India Large Cap Dir | 5 star | 8.83 | 20.15 | 21.15 | 0.66 | 50,312 | 16.31 | 1.00 (7) | 12Y 11M | 28.00 |
| HDFC Large Cap Dir | 5 star | 7.28 | 16.36 | 17.91 | 0.96 | 40,618 | 14.09 | 1.00 (365) | 12Y 11M | 26.18 |
Portfolio Analysis of UTI Large Cap Fund
| No. of Stocks | 60 |
| Top 10 Stocks | 48.57% |
| Top 5 Stocks | 31.21% |
| Top 3 Sectors | 63.01% |
| Portfolio P/B Ratio | 3.91 |
| Portfolio P/E Ratio | 25.28 |
Portfolio Breakup
| Fund | Category | |
| Average Mkt Cap (Rs Cr) | 4,06,627 | 4,45,330 |
| Giant (%) | 80.83 | 78.22 |
| Large (%) | 13.28 | 20.84 |
| Mid (%) | 5.02 | 5.71 |
| Small (%) | 0.87 | 2.06 |
| Tiny (%) | — | — |
Disclaimer: Mutual fund investments are subject to market risks. Read all scheme related documents carefully
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